[go: up one dir, main page]

WO2002029739A3 - Procede et appareil pour effectuer une transaction a credit entre un utilisateur d'un dispositif de communications sans fil et un fournisseur d'un produit ou d'un service - Google Patents

Procede et appareil pour effectuer une transaction a credit entre un utilisateur d'un dispositif de communications sans fil et un fournisseur d'un produit ou d'un service Download PDF

Info

Publication number
WO2002029739A3
WO2002029739A3 PCT/US2001/041773 US0141773W WO0229739A3 WO 2002029739 A3 WO2002029739 A3 WO 2002029739A3 US 0141773 W US0141773 W US 0141773W WO 0229739 A3 WO0229739 A3 WO 0229739A3
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
commerce platform
merchant
consumer
acquirer
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/US2001/041773
Other languages
English (en)
Other versions
WO2002029739A2 (fr
Inventor
Ryan J Nobrega
Vinod V Valloppillil
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Great Elm Group Inc
Original Assignee
Openwave Systems Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Openwave Systems Inc filed Critical Openwave Systems Inc
Priority to EP20010971366 priority Critical patent/EP1407431A2/fr
Priority to AU2001291261A priority patent/AU2001291261A1/en
Publication of WO2002029739A2 publication Critical patent/WO2002029739A2/fr
Anticipated expiration legal-status Critical
Publication of WO2002029739A3 publication Critical patent/WO2002029739A3/fr
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/047—Payment circuits using payment protocols involving electronic receipts
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Un opérateur de télécommunications sans fil utilise une plate-forme de commerce dans un domaine fiable, qui est capable de stocker une information sensible associée à un consommateur. Au cours d'une transaction par carte de crédit, un terminal de point de vente d'un marchand transmet une information de transaction à un acquéreur. L'acquéreur identifie la nature de la transaction et répond en acheminant l'information de transaction à la plate-forme de commerce. La plate-forme de commerce effectue la validation de la transaction en vérifiant l'identité de l'utilisateur. Lorsque la transaction est validée, la plate-forme notifie l'acquéreur, qui initie une processus de ratification. Lorsque la transaction est ratifiée, l'acquéreur notifie la plate-forme de commerce et indique au terminal de point de vente du marchand d'émettre un reçu écrit. La plate-forme de commerce range en mémoire un récit numérique de la transaction et indique au dispositif sans fil d'émettre un message de confirmation au consommateur. Le numéro de la carte de crédit du consommateur et d'autres informations sensibles peuvent être exclusifs au domaine fiable, excluant le marchand.
PCT/US2001/041773 2000-10-06 2001-08-17 Procede et appareil pour effectuer une transaction a credit entre un utilisateur d'un dispositif de communications sans fil et un fournisseur d'un produit ou d'un service Ceased WO2002029739A2 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
EP20010971366 EP1407431A2 (fr) 2000-10-06 2001-08-17 Procede et appareil pour effectuer une transaction a credit entre un utilisateur d'un dispositif de communications sans fil et un fournisseur d'un produit ou d'un service
AU2001291261A AU2001291261A1 (en) 2000-10-06 2001-08-17 Method and apparatus for performing a credit based transaction between a user of a wireless communications device and a provider of a product or service

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US23876000P 2000-10-06 2000-10-06
US60/238,760 2000-10-06
US09/759,627 2001-01-12
US09/759,627 US7292996B2 (en) 2000-10-06 2001-01-12 Method and apparatus for performing a credit based transaction between a user of a wireless communications device and a provider of a product or service

Publications (2)

Publication Number Publication Date
WO2002029739A2 WO2002029739A2 (fr) 2002-04-11
WO2002029739A3 true WO2002029739A3 (fr) 2004-01-08

Family

ID=26931923

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/041773 Ceased WO2002029739A2 (fr) 2000-10-06 2001-08-17 Procede et appareil pour effectuer une transaction a credit entre un utilisateur d'un dispositif de communications sans fil et un fournisseur d'un produit ou d'un service

Country Status (4)

Country Link
US (2) US7292996B2 (fr)
EP (1) EP1407431A2 (fr)
AU (1) AU2001291261A1 (fr)
WO (1) WO2002029739A2 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7349871B2 (en) 2002-08-08 2008-03-25 Fujitsu Limited Methods for purchasing of goods and services
US7353382B2 (en) 2002-08-08 2008-04-01 Fujitsu Limited Security framework and protocol for universal pervasive transactions
US7606560B2 (en) 2002-08-08 2009-10-20 Fujitsu Limited Authentication services using mobile device

Families Citing this family (183)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7889052B2 (en) 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
KR100776458B1 (ko) * 2000-07-10 2007-11-16 페이팔, 인코포레이티드 금융기구 확인 시스템 및 방법
US7979057B2 (en) 2000-10-06 2011-07-12 S.F. Ip Properties 62 Llc Third-party provider method and system
US20020087478A1 (en) * 2001-01-03 2002-07-04 Hudd Neil P. Wireless financial transactions
US20020091633A1 (en) * 2001-01-10 2002-07-11 Integrated Data Communications Facility and method for cellular data communication between merchants and credit processing agencies
NZ527813A (en) * 2001-02-23 2005-04-29 Us Postal Service Systems and methods for dispensing postage stamps
US7587196B2 (en) * 2001-03-29 2009-09-08 Telefonaktiebolaget Lm Ericsson (Publ) Wireless point of sale transaction
US20020143634A1 (en) * 2001-03-30 2002-10-03 Kumar K. Anand Wireless payment system
US7725427B2 (en) 2001-05-25 2010-05-25 Fred Bishop Recurrent billing maintenance with radio frequency payment devices
US9024719B1 (en) 2001-07-10 2015-05-05 Xatra Fund Mx, Llc RF transaction system and method for storing user personal data
US20040236699A1 (en) 2001-07-10 2004-11-25 American Express Travel Related Services Company, Inc. Method and system for hand geometry recognition biometrics on a fob
US7705732B2 (en) 2001-07-10 2010-04-27 Fred Bishop Authenticating an RF transaction using a transaction counter
US8548927B2 (en) 2001-07-10 2013-10-01 Xatra Fund Mx, Llc Biometric registration for facilitating an RF transaction
US9031880B2 (en) * 2001-07-10 2015-05-12 Iii Holdings 1, Llc Systems and methods for non-traditional payment using biometric data
US7543738B1 (en) 2001-07-10 2009-06-09 American Express Travel Related Services Company, Inc. System and method for secure transactions manageable by a transaction account provider
US9454752B2 (en) 2001-07-10 2016-09-27 Chartoleaux Kg Limited Liability Company Reload protocol at a transaction processing entity
US8284025B2 (en) 2001-07-10 2012-10-09 Xatra Fund Mx, Llc Method and system for auditory recognition biometrics on a FOB
US7735725B1 (en) 2001-07-10 2010-06-15 Fred Bishop Processing an RF transaction using a routing number
US7249112B2 (en) 2002-07-09 2007-07-24 American Express Travel Related Services Company, Inc. System and method for assigning a funding source for a radio frequency identification device
US8001054B1 (en) 2001-07-10 2011-08-16 American Express Travel Related Services Company, Inc. System and method for generating an unpredictable number using a seeded algorithm
US7668750B2 (en) 2001-07-10 2010-02-23 David S Bonalle Securing RF transactions using a transactions counter
US7360689B2 (en) 2001-07-10 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for proffering multiple biometrics for use with a FOB
US7054430B2 (en) 2001-08-23 2006-05-30 Paymentone Corporation Method and apparatus to validate a subscriber line
US7865446B2 (en) * 2001-12-11 2011-01-04 International Businesss Machines Corporation Method for secure electronic commercial transaction on-line processing
US6755342B1 (en) 2001-12-31 2004-06-29 Bellsouth Intellectual Property Corporation Credit card validation for an interactive wireless network
DE10208637A1 (de) * 2002-02-28 2003-10-02 Ali Hassan Al-Khaja Verfahren zur Abwicklung von Transaktionen mittels drahtloser Einrichtungen
US20030212601A1 (en) * 2002-05-09 2003-11-13 Ivan Silva Credit card SMS portal transmission system and process
US7822688B2 (en) * 2002-08-08 2010-10-26 Fujitsu Limited Wireless wallet
US20040107170A1 (en) * 2002-08-08 2004-06-03 Fujitsu Limited Apparatuses for purchasing of goods and services
US7784684B2 (en) * 2002-08-08 2010-08-31 Fujitsu Limited Wireless computer wallet for physical point of sale (POS) transactions
US7801826B2 (en) * 2002-08-08 2010-09-21 Fujitsu Limited Framework and system for purchasing of goods and services
US6805287B2 (en) 2002-09-12 2004-10-19 American Express Travel Related Services Company, Inc. System and method for converting a stored value card to a credit card
US7493284B2 (en) * 2002-12-19 2009-02-17 International Business Machines Corporation Using visual images transferred from wireless computing device display screens
DE50303024D1 (de) * 2003-02-21 2006-05-24 Swisscom Mobile Ag Verfahren und System zur Sperrung/Entsperrung von einem an eine SIM-Karte gebundenen Geldkonto
EP1627364A1 (fr) * 2003-05-12 2006-02-22 Briza Technologies, Inc. Systeme et procede de transmission de portail sms pour carte de credit
FI20030948A0 (fi) * 2003-06-26 2003-06-26 Nokia Corp Menetelmä ja laitejärjestely ennakkomaksuliittymän toteuttamiseksi ja menetelmää hyödyntävä ennakkomaksupääte ja solukkoverkon päätelaite
US20050048951A1 (en) * 2003-08-25 2005-03-03 Saito William H. Method and system for alternative access using mobile electronic devices
US20050071673A1 (en) * 2003-08-25 2005-03-31 Saito William H. Method and system for secure authentication using mobile electronic devices
US20050109835A1 (en) * 2003-11-26 2005-05-26 Jacoby Brian L. User self-authentication system and method for remote credit card verification
US7877605B2 (en) * 2004-02-06 2011-01-25 Fujitsu Limited Opinion registering application for a universal pervasive transaction framework
US7318550B2 (en) 2004-07-01 2008-01-15 American Express Travel Related Services Company, Inc. Biometric safeguard method for use with a smartcard
US7363504B2 (en) 2004-07-01 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for keystroke scan recognition biometrics on a smartcard
US7325724B2 (en) 2004-07-01 2008-02-05 American Express Travel Related Services Company, Inc. Method for registering a biometric for use with a smartcard
US7314164B2 (en) * 2004-07-01 2008-01-01 American Express Travel Related Services Company, Inc. System for biometric security using a smartcard
US7341181B2 (en) 2004-07-01 2008-03-11 American Express Travel Related Services Company, Inc. Method for biometric security using a smartcard
US7314165B2 (en) 2004-07-01 2008-01-01 American Express Travel Related Services Company, Inc. Method and system for smellprint recognition biometrics on a smartcard
US7014107B2 (en) * 2004-07-20 2006-03-21 Irek Singer Wireless payment processing system
US7520430B1 (en) * 2004-11-04 2009-04-21 Acumera, Inc. Multiservice merchant gateway
EP1839431A4 (fr) * 2004-11-08 2012-05-09 Duroturf Internat Inc Systeme de carte d'achat et procede connexe
CA2596257C (fr) 2005-01-28 2016-05-17 Cardinal Commerce Corporation Systeme et methode pour une conversion entre des transactions basees sur internet et des transactions non basees sur internet
US7658169B2 (en) * 2005-03-09 2010-02-09 Zajac Optimum Output Motors, Inc. Internal combustion engine and method with improved combustion chamber
US7357310B2 (en) * 2005-03-11 2008-04-15 Gerry Calabrese Mobile phone charge card notification and authorization method
US20060218407A1 (en) * 2005-03-24 2006-09-28 Toms Alvin D Method of confirming the identity of a person
US20060233332A1 (en) * 2005-03-24 2006-10-19 Toms Alvin D Credit worthiness rating method
US7533047B2 (en) * 2005-05-03 2009-05-12 International Business Machines Corporation Method and system for securing card payment transactions using a mobile communication device
US9213992B2 (en) * 2005-07-08 2015-12-15 Microsoft Technology Licensing, Llc Secure online transactions using a trusted digital identity
US20070094715A1 (en) * 2005-10-20 2007-04-26 Microsoft Corporation Two-factor authentication using a remote control device
US7647624B2 (en) * 2005-11-30 2010-01-12 Novell, Inc. Techniques for preserving and managing identities in an audit log
US8145914B2 (en) 2005-12-15 2012-03-27 Microsoft Corporation Client-side CAPTCHA ceremony for user verification
US7600675B2 (en) * 2005-12-28 2009-10-13 Compucredit Intellectual Property Holdings Corp. Ii Method for providing financial instruments to customers of a service provider
US8352323B2 (en) * 2007-11-30 2013-01-08 Blaze Mobile, Inc. Conducting an online payment transaction using an NFC enabled mobile communication device
JP2009526322A (ja) * 2006-02-08 2009-07-16 イマジニア・ソフトウェア，インコーポレーテッド 変化識別子を使用するセキュアなデジタル・コンテンツ管理
US20070244831A1 (en) * 2006-04-18 2007-10-18 Kuo James Shaw-Han System and method for secure online transaction
US8307307B2 (en) * 2006-05-25 2012-11-06 Research In Motion Limited Method for prompting user confirmation
US7734252B2 (en) * 2006-08-17 2010-06-08 Eagle River Holdings Llc System and method for wireless transactions
WO2008072255A2 (fr) * 2006-11-05 2008-06-19 Siddharth Narendra Geol Système de service à valeur ajoutée intelligente
US20080126258A1 (en) * 2006-11-27 2008-05-29 Qualcomm Incorporated Authentication of e-commerce transactions using a wireless telecommunications device
US7637425B2 (en) * 2006-11-28 2009-12-29 Motorola, Inc. Method and system for wireless and credit card transactions
US8566240B2 (en) * 2007-01-16 2013-10-22 E2Interactive, Inc. Systems and methods for the payment of customer bills utilizing payment platform of biller
US7810134B2 (en) * 2007-01-22 2010-10-05 First Data Corporation Authentication system for financial transactions
US20080208743A1 (en) * 2007-02-22 2008-08-28 First Data Corporation Transfer of value between mobile devices in a mobile commerce system
US20080208762A1 (en) * 2007-02-22 2008-08-28 First Data Corporation Payments using a mobile commerce device
US8566239B2 (en) * 2007-02-22 2013-10-22 First Data Corporation Mobile commerce systems and methods
US20080208688A1 (en) * 2007-02-22 2008-08-28 First Data Corporation Methods and systems for handling of mobile discount certificates using mobile devices
US10102518B2 (en) 2007-02-22 2018-10-16 First Data Corporation Enrollment and registration of a device in a mobile commerce system
US20080207234A1 (en) 2007-02-22 2008-08-28 First Data Corporation Marketing messages in mobile commerce
US8548908B2 (en) * 2007-04-11 2013-10-01 First Data Corporation Mobile commerce infrastructure systems and methods
US20080255940A1 (en) * 2007-04-12 2008-10-16 Perreault Bruno D Method and apparatus for reward calculation and disbursement
US7979316B2 (en) * 2007-04-27 2011-07-12 American Express Travel Related Services Company, Inc. System and method for facilitating mobile commerce
US10482081B2 (en) * 2007-06-04 2019-11-19 Bce Inc. Methods and systems for validating online transactions using location information
US8768778B2 (en) 2007-06-29 2014-07-01 Boku, Inc. Effecting an electronic payment
US20100174660A1 (en) * 2007-12-05 2010-07-08 Bce Inc. Methods and computer-readable media for facilitating forensic investigations of online transactions
US20090172033A1 (en) * 2007-12-28 2009-07-02 Bce Inc. Methods, systems and computer-readable media for facilitating forensic investigations of online activities
US8635132B1 (en) * 2008-04-14 2014-01-21 United Services Automobile Associatiion (USAA) Self-service real-time financial advice
US20090281943A1 (en) * 2008-05-07 2009-11-12 Yoggerst A John Systems and Methods for Collecting Bonds and Fines for Warrants and Traffic Tickets
GB0809383D0 (en) 2008-05-23 2008-07-02 Vidicom Ltd Customer to supplier funds transfer
GB0809381D0 (en) * 2008-05-23 2008-07-02 Vidicom Ltd Funds transfer electronically
US20090307141A1 (en) * 2008-06-06 2009-12-10 Telefonaktiebolaget Lm Ericsson (Publ) Secure Card Services
US9542687B2 (en) 2008-06-26 2017-01-10 Visa International Service Association Systems and methods for visual representation of offers
US8478692B2 (en) 2008-06-26 2013-07-02 Visa International Service Association Systems and methods for geographic location notifications of payment transactions
CN101625779A (zh) * 2008-07-11 2010-01-13 深圳富泰宏精密工业有限公司 移动终端及通过该移动终端进行信用卡消费的方法
TWI503767B (zh) * 2008-08-01 2015-10-11 Chiun Mai Comm Systems Inc 移動終端及透過該移動終端進行信用卡消費的方法
MX2011003199A (es) 2008-09-25 2011-05-25 Visa Int Service Ass Sistemas y metodos para clasificar mensajes de alerta y de oferta en un dispositivo movil.
EP2189933A1 (fr) * 2008-11-24 2010-05-26 Research in Motion Système de paiement électronique incluant un serveur marchand et procédés correspondants
US9652761B2 (en) 2009-01-23 2017-05-16 Boku, Inc. Systems and methods to facilitate electronic payments
US8041639B2 (en) * 2009-01-23 2011-10-18 Vidicom Limited Systems and methods to facilitate online transactions
US8548426B2 (en) * 2009-02-20 2013-10-01 Boku, Inc. Systems and methods to approve electronic payments
US9990623B2 (en) 2009-03-02 2018-06-05 Boku, Inc. Systems and methods to provide information
US8700530B2 (en) 2009-03-10 2014-04-15 Boku, Inc. Systems and methods to process user initiated transactions
US8160943B2 (en) * 2009-03-27 2012-04-17 Boku, Inc. Systems and methods to process transactions based on social networking
US8224727B2 (en) * 2009-05-27 2012-07-17 Boku, Inc. Systems and methods to process transactions based on social networking
US8131258B2 (en) 2009-04-20 2012-03-06 Boku, Inc. Systems and methods to process transaction requests
US9715681B2 (en) 2009-04-28 2017-07-25 Visa International Service Association Verification of portable consumer devices
US8534564B2 (en) 2009-05-15 2013-09-17 Ayman Hammad Integration of verification tokens with mobile communication devices
US8602293B2 (en) 2009-05-15 2013-12-10 Visa International Service Association Integration of verification tokens with portable computing devices
US9105027B2 (en) 2009-05-15 2015-08-11 Visa International Service Association Verification of portable consumer device for secure services
US8893967B2 (en) 2009-05-15 2014-11-25 Visa International Service Association Secure Communication of payment information to merchants using a verification token
US10846683B2 (en) 2009-05-15 2020-11-24 Visa International Service Association Integration of verification tokens with mobile communication devices
US9038886B2 (en) 2009-05-15 2015-05-26 Visa International Service Association Verification of portable consumer devices
US9595028B2 (en) 2009-06-08 2017-03-14 Boku, Inc. Systems and methods to add funds to an account via a mobile communication device
US9697510B2 (en) * 2009-07-23 2017-07-04 Boku, Inc. Systems and methods to facilitate retail transactions
US9519892B2 (en) 2009-08-04 2016-12-13 Boku, Inc. Systems and methods to accelerate transactions
US20110047075A1 (en) 2009-08-19 2011-02-24 Mastercard International Incorporated Location controls on payment card transactions
US8660911B2 (en) 2009-09-23 2014-02-25 Boku, Inc. Systems and methods to facilitate online transactions
US8224709B2 (en) * 2009-10-01 2012-07-17 Boku, Inc. Systems and methods for pre-defined purchases on a mobile communication device
GB2475301A (en) * 2009-11-13 2011-05-18 Secure Electrans Ltd Payment Authentication System and Processing Method
CA2684434A1 (fr) * 2009-11-16 2010-01-25 Mundip S. Bhinder Saisie transparente de donnees transactionnelles dans l'environnement d'un point de vente de marchand et creation de recus electroniques, toutes en temps reel
US20110125610A1 (en) * 2009-11-20 2011-05-26 Boku, Inc. Systems and Methods to Automate the Initiation of Transactions via Mobile Devices
US8412626B2 (en) * 2009-12-10 2013-04-02 Boku, Inc. Systems and methods to secure transactions via mobile devices
US11928696B2 (en) 2009-12-16 2024-03-12 E2Interactive, Inc. Systems and methods for generating a virtual value item for a promotional campaign
DE102009060946A1 (de) * 2009-12-23 2011-06-30 Doering, Wolfram, 13469 Verfahren zur elektronischen Kommunikation von Bankaufträgen und Kommunikationssystem zur Ausübung des Verfahrens
US8566188B2 (en) 2010-01-13 2013-10-22 Boku, Inc. Systems and methods to route messages to facilitate online transactions
US20110184823A1 (en) * 2010-01-28 2011-07-28 Simon Phillips Incentive program for point-of-sale operators
US8219542B2 (en) * 2010-03-25 2012-07-10 Boku, Inc. Systems and methods to provide access control via mobile phones
US8583504B2 (en) 2010-03-29 2013-11-12 Boku, Inc. Systems and methods to provide offers on mobile devices
US8355987B2 (en) 2010-05-06 2013-01-15 Boku, Inc. Systems and methods to manage information
US10068287B2 (en) 2010-06-11 2018-09-04 David A. Nelsen Systems and methods to manage and control use of a virtual card
WO2012010585A1 (fr) * 2010-07-20 2012-01-26 Moqom Limited Système et procédé de positionnement de dispositif mobile de titulaire de carte
AU2011289300B2 (en) 2010-08-11 2014-11-13 Boku, Inc. Systems and methods to identify carrier information for transmission of premium messages
US9031869B2 (en) 2010-10-13 2015-05-12 Gift Card Impressions, LLC Method and system for generating a teaser video associated with a personalized gift
US9483786B2 (en) 2011-10-13 2016-11-01 Gift Card Impressions, LLC Gift card ordering system and method
US8699994B2 (en) 2010-12-16 2014-04-15 Boku, Inc. Systems and methods to selectively authenticate via mobile communications
US8412155B2 (en) 2010-12-20 2013-04-02 Boku, Inc. Systems and methods to accelerate transactions based on predictions
TWI588761B (zh) 2010-12-28 2017-06-21 li-he Yao Wireless secure transaction payment system and its method
US8583496B2 (en) 2010-12-29 2013-11-12 Boku, Inc. Systems and methods to process payments via account identifiers and phone numbers
US8700524B2 (en) 2011-01-04 2014-04-15 Boku, Inc. Systems and methods to restrict payment transactions
WO2012122049A2 (fr) * 2011-03-04 2012-09-13 Visa International Service Association Intégration d'une fonctionnalité de paiement dans des éléments sécurisés d'ordinateurs
US8543087B2 (en) 2011-04-26 2013-09-24 Boku, Inc. Systems and methods to facilitate repeated purchases
US9830622B1 (en) 2011-04-28 2017-11-28 Boku, Inc. Systems and methods to process donations
US9191217B2 (en) 2011-04-28 2015-11-17 Boku, Inc. Systems and methods to process donations
US10949844B2 (en) * 2011-05-09 2021-03-16 Intuit Inc. Processing electronic payment involving mobile communication device
US20120296720A1 (en) * 2011-05-17 2012-11-22 Maritz Holdings Inc. Mobile rewards redemption system and method
US8825512B2 (en) * 2011-08-10 2014-09-02 Verizon Patent And Licensing, Inc. Persistent network-based electronic transaction services
US20130103584A1 (en) * 2011-10-25 2013-04-25 Paymintz, Inc. Payment service that provides option to authenticate with external authentication service
US10417677B2 (en) 2012-01-30 2019-09-17 Gift Card Impressions, LLC Group video generating system
US10282724B2 (en) 2012-03-06 2019-05-07 Visa International Service Association Security system incorporating mobile device
US9576279B2 (en) * 2012-06-05 2017-02-21 Autoscribe Corporation System and method for registering financial accounts
WO2014013434A2 (fr) * 2012-07-17 2014-01-23 Innoviti Embedded Solutions Pvt. Ltd. Procédé et système permettant de faciliter des transactions basées sur un crédit
US10235692B2 (en) 2012-10-17 2019-03-19 Groupon, Inc. Consumer presence based deal offers
US20140108247A1 (en) 2012-10-17 2014-04-17 Groupon, Inc. Peer-To-Peer Payment Processing
US20140229375A1 (en) 2013-02-11 2014-08-14 Groupon, Inc. Consumer device payment token management
US11219288B2 (en) 2013-02-15 2022-01-11 E2Interactive, Inc. Gift card box with slanted tray and slit
US9565911B2 (en) 2013-02-15 2017-02-14 Gift Card Impressions, LLC Gift card presentation devices
US9576286B1 (en) 2013-03-11 2017-02-21 Groupon, Inc. Consumer device based point-of-sale
US9852409B2 (en) 2013-03-11 2017-12-26 Groupon, Inc. Consumer device based point-of-sale
US10482511B1 (en) * 2013-03-12 2019-11-19 Groupon, Inc. Employee profile for customer assignment, analytics and payments
US10217107B2 (en) 2013-05-02 2019-02-26 Gift Card Impressions, LLC Stored value card kiosk system and method
US20140358794A1 (en) * 2013-06-04 2014-12-04 Ncr Corporation Techniques for credit card processing
FR3008518B1 (fr) * 2013-07-11 2017-03-24 Compagnie Ind Et Financiere Dingenierie Ingenico Méthode de réalisation, terminal et programme d'ordinateur correspondant.
US9928493B2 (en) 2013-09-27 2018-03-27 Groupon, Inc. Systems and methods for providing consumer facing point-of-sale interfaces
AU2014334713A1 (en) 2013-10-14 2016-05-19 Equifax Inc. Providing identification information to mobile commerce applications
US11574299B2 (en) 2013-10-14 2023-02-07 Equifax Inc. Providing identification information during an interaction with an interactive computing environment
FR3017733B1 (fr) * 2014-02-14 2017-08-25 Bancontact-Mistercash Nv/Sa Transaction securisee utilisant un dispositif mobile
US10511580B2 (en) 2014-03-31 2019-12-17 Monticello Enterprises LLC System and method for providing a social media shopping experience
US10262346B2 (en) 2014-04-30 2019-04-16 Gift Card Impressions, Inc. System and method for a merchant onsite personalization gifting platform
US10496988B2 (en) * 2014-06-23 2019-12-03 The Toronto-Dominion Bank Systems and methods for authenticating user identities in networked computer systems
US10332214B2 (en) 2014-07-02 2019-06-25 Michael H. Freeman Receiving, sending and managing electronic approvals and receipt invention
US9569776B2 (en) 2014-11-12 2017-02-14 BenedorTSE LLC Secure authorizations using independent communications and different one-time-use encryption keys for each party to a transaction
US10614457B2 (en) 2014-11-12 2020-04-07 BenedorTSE LLC Secure authorizations using independent communications and different one-time-use encryption keys for each party to a transaction
US9558492B2 (en) 2014-11-12 2017-01-31 Benedoretse Llc Secure authorizations using independent communications and different one-time-use encryption keys for each party to a transaction
US9558493B2 (en) 2014-11-12 2017-01-31 BenedorTSE LLC Secure authorizations using independent communications and different one-time-use encryption keys for each party to a transaction
US11620628B2 (en) 2015-06-30 2023-04-04 Mastercard International Incorporated Method and system for fraud control based on geolocation
US10332090B2 (en) 2015-08-27 2019-06-25 Acumera, Inc. Providing secure remote access to a device at a merchant location
FR3041132B1 (fr) 2015-09-11 2021-01-15 Ingenico Group Procede de transmission de donnees, dispositifs et programmes d'ordinateur correspondants
WO2017089923A1 (fr) * 2015-11-26 2017-06-01 Motiveprime Consumer Electronics Pvt Ltd Systèmes et procédés de paiement basé sur un crédit au moyen d'un identificateur unique de matériel
US20170221067A1 (en) * 2016-01-29 2017-08-03 International Business Machines Corporation Secure electronic transaction
AU2018253294B2 (en) 2017-04-13 2022-09-15 Equifax Inc. Location-based detection of unauthorized use of interactive computing environment functions
CA3067821C (fr) 2017-06-29 2021-04-27 Equifax, Inc. Prise en charge d'autorisation de tiers pour des fonctions d'un environnement informatique interactif
US10954049B2 (en) 2017-12-12 2021-03-23 E2Interactive, Inc. Viscous liquid vessel for gifting
US11449630B2 (en) 2017-12-14 2022-09-20 Equifax Inc. Embedded third-party application programming interface to prevent transmission of sensitive data
US12020309B2 (en) 2018-05-18 2024-06-25 E2Interactive, Inc. Augmented reality gifting on a mobile device
CN115462105B (zh) * 2020-07-22 2024-11-22 Oppo广东移动通信有限公司 一种跨平台的设备配网方法及装置、电子设备
US12456137B2 (en) 2023-03-28 2025-10-28 T-Mobile Usa, Inc. Personalizing an interaction between a mobile device associated with a user and an application or a website associated with a wireless telecommunication network

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0532231A2 (fr) * 1991-09-13 1993-03-17 AT&T Corp. Protocole d'authentification pour la fourniture d'un service
US5343529A (en) * 1993-09-28 1994-08-30 Milton Goldfine Transaction authentication using a centrally generated transaction identifier
WO1996013814A1 (fr) * 1994-10-28 1996-05-09 Behruz Vazvan Systeme de telepaiement en temps reel
EP0745961A2 (fr) * 1995-05-31 1996-12-04 AT&T IPM Corp. Système d'autorisation et d'alarme pour transactions
US5668876A (en) * 1994-06-24 1997-09-16 Telefonaktiebolaget Lm Ericsson User authentication method and apparatus
US5724423A (en) * 1995-09-18 1998-03-03 Telefonaktiebolaget Lm Ericsson Method and apparatus for user authentication
WO1999023617A2 (fr) * 1997-11-04 1999-05-14 Gilles Kremer Procede de transmission d'information et serveur le mettant en oeuvre

Family Cites Families (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5794221A (en) * 1995-07-07 1998-08-11 Egendorf; Andrew Internet billing method
US5915022A (en) * 1996-05-30 1999-06-22 Robinson; Rodney Aaron Method and apparatus for creating and using an encrypted digital receipt for electronic transactions
US5991749A (en) * 1996-09-11 1999-11-23 Morrill, Jr.; Paul H. Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities
US6868391B1 (en) * 1997-04-15 2005-03-15 Telefonaktiebolaget Lm Ericsson (Publ) Tele/datacommunications payment method and apparatus
US6664922B1 (en) 1997-08-28 2003-12-16 At Road, Inc. Method for distributing location-relevant information using a network
US6609113B1 (en) * 1999-05-03 2003-08-19 The Chase Manhattan Bank Method and system for processing internet payments using the electronic funds transfer network
AU7346800A (en) * 1999-09-02 2001-03-26 Automated Business Companies Communication and proximity authorization systems
US7487112B2 (en) 2000-06-29 2009-02-03 Barnes Jr Melvin L System, method, and computer program product for providing location based services and mobile e-commerce

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0532231A2 (fr) * 1991-09-13 1993-03-17 AT&T Corp. Protocole d'authentification pour la fourniture d'un service
US5343529A (en) * 1993-09-28 1994-08-30 Milton Goldfine Transaction authentication using a centrally generated transaction identifier
US5668876A (en) * 1994-06-24 1997-09-16 Telefonaktiebolaget Lm Ericsson User authentication method and apparatus
WO1996013814A1 (fr) * 1994-10-28 1996-05-09 Behruz Vazvan Systeme de telepaiement en temps reel
EP0745961A2 (fr) * 1995-05-31 1996-12-04 AT&T IPM Corp. Système d'autorisation et d'alarme pour transactions
US5724423A (en) * 1995-09-18 1998-03-03 Telefonaktiebolaget Lm Ericsson Method and apparatus for user authentication
WO1999023617A2 (fr) * 1997-11-04 1999-05-14 Gilles Kremer Procede de transmission d'information et serveur le mettant en oeuvre

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7349871B2 (en) 2002-08-08 2008-03-25 Fujitsu Limited Methods for purchasing of goods and services
US7353382B2 (en) 2002-08-08 2008-04-01 Fujitsu Limited Security framework and protocol for universal pervasive transactions
US7606560B2 (en) 2002-08-08 2009-10-20 Fujitsu Limited Authentication services using mobile device

Also Published As

Publication number Publication date
USRE44513E1 (en) 2013-10-01
WO2002029739A2 (fr) 2002-04-11
EP1407431A2 (fr) 2004-04-14
US7292996B2 (en) 2007-11-06
US20020107791A1 (en) 2002-08-08
AU2001291261A1 (en) 2002-04-15

Similar Documents

Publication Publication Date Title
WO2002029739A3 (fr) Procede et appareil pour effectuer une transaction a credit entre un utilisateur d'un dispositif de communications sans fil et un fournisseur d'un produit ou d'un service
WO2002103643A3 (fr) Systeme de transaction avec authentification vocale au point de vente
WO2002101512A3 (fr) Systeme de passerelle de paiement de commerçant, de fidelite et d'identification de client
ATE371240T1 (de) Gesichertes zahlungsverfahren und -system
GB0204488D0 (en) Method of conducting secure transactions containing confidential, financial, payment, credit, or other information over a network
TW363162B (en) Automatic electronic funds transfer system and method
WO2002001462A3 (fr) Procede et systeme permettant de collecter, de memoriser et de transmettre des informations
WO2004031903A3 (fr) Systemes et procedes de paiement comptant d'un commercant
WO2001097185A3 (fr) Systeme, procede et produit programme informatique permettant a un support d'agir en tant qu'entite d'approbation de credit dans des transactions de commerce electronique
AU2001228899A1 (en) Authentication method using cellular phone in internet
CY1105488T1 (el) Συστημα για την ανταλλαγη δεδομενων για πληρωμες και τερματικη διαταξη πληρωμων που χρησιμοποιειται σ΄αυτο
CA2404141A1 (fr) Procede et systeme de transactions de valeurs basees sur un reseau
DE59915075D1 (de) Verfahren zum Kaufen von Waren oder Dienstleistungen mit einem Mobiltelefon
WO2003014863A3 (fr) Systeme et procedes fournissant des informations de comptabilite generale par l'intermediaire d'un reseau
WO2004104757A3 (fr) Systeme et procede pour faciliter une transaction entre un marchand et un consommateur
AU2003252928A8 (en) Dynamic currency conversion for card payment systems
WO2004034343A3 (fr) Procede pour executer un processus de paiement dans le domaine du commerce electronique
EP1329825A4 (fr) Procede de paiement par carte pour facturation de service concernant une distribution ou un transport physiques
WO2000075749A3 (fr) Systeme de paiement sur internet
WO2002086676A3 (fr) Systeme et procede d'utilisation d'une carte prepayee
AU2001272888A1 (en) An electronic funds transfer system using credit card settlement and financial network infrastructure
WO2006124497A3 (fr) Procede et appareil de paiement sans infrastructure de cartes de paiement
DE60000576D1 (de) Verfahren zum einführen von handelsdienstleistungen
WO2002071354A3 (fr) Systeme et procede permettant de faciliter une transaction de commerce electronique
EP1143387A3 (fr) Système et méthode de règlement au moyen d'un réseau

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A2

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NO NZ PH PL PT RO RU SD SE SG SI SK SL TJ TM TR TT TZ UA UG US UZ VN YU ZA ZW

AL Designated countries for regional patents

Kind code of ref document: A2

Designated state(s): GH GM KE LS MW MZ SD SL SZ TZ UG ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG

121 Ep: the epo has been informed by wipo that ep was designated in this application
WWE Wipo information: entry into national phase

Ref document number: 2001971366

Country of ref document: EP

REG Reference to national code

Ref country code: DE

Ref legal event code: 8642

WWP Wipo information: published in national office

Ref document number: 2001971366

Country of ref document: EP

NENP Non-entry into the national phase

Ref country code: JP

WWW Wipo information: withdrawn in national office

Ref document number: 2001971366

Country of ref document: EP